We Make Medicare Insurance Simple.
At Golden Ridge Insurance, we specialize in helping individuals over 65 find the best healthcare plan to meet their unique needs.
Get A QuoteThe right supplemental insurance for every need.
Part A Coverage
Medicare Part A hospital insurance covers inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, home health care.
Part B Coverage
Medicare Part B helps cover medical services like doctors' services, outpatient care, and other medical services that Part A doesn't cover.
Part D Coverage
Medicare Part D helps cover cost of prescription drugs, and may lower your existing costs and protect against higher costs.
Part C Coverage
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.
What our great clients say about us.
They found me the perfect plan!
"The team at Golden Ridge is top-notch. They showed me how the right insurance plan could save me lots of money and they helped me find that perfect plan."
I'm so happy I found Golden Ridge!
"I was so lost before I called and spoke with my rep at Golden Ridge. They went above and beyond to help me find the best insurance option for my husband and I.
They made it all make sense!
"I could not recommend GRI enough! They knew what I needed and helped me get everything squared away. I am grateful for their helpfulness and guidance."
You have questions, we have answers.
Most people are eligible for Medicare at age 65. There is a 7-month window called the Initial Enrollment Period where you can enroll into Medicare.
Medigap insurers must abide by strict state and federal laws. Although the price varies from one insurance carrier to another, by law the plan benefits are exactly the same from one state to another.
For example, Plan Gs offer the same benefits regardless of where you live or what insurance carrier you use (Medigap policies in Massachusetts, Minnesota, and Wisconsin are standardized in a different way.
There are a few things that Original Medicare A and B does not cover, and therefore neither do Medicare Supplement plans. These include most prescription drugs, routine dental, vision, and hearing services, long-term care, and cosmetic procedures.
- Prescription Drugs – Medicare Part D coverage is separate from your Medigap plan. Medicare A and B don’t cover outpatient prescriptions.
- Dental – Medicare does not cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices.
- Hearing – Medicare does not cover hearing aids or exams for fitting hearing aids.
- Vision – Medicare does not cover eye exams (sometimes called “eye refractions”) for eyeglasses or contact lenses. Medicare sometimes does not cover eyeglasses or contact lenses.
You are eligible for Medicare Part A at age 65 if you or your spouse has legally worked for at least 10 years in the U.S.
You may be automatically enrolled in Part A (and Part B) at the time you turn 65 if you have already enrolled in Social Security income benefits. Your Medicare card will usually arrive in your mailbox about 4 – 6 weeks before you turn 65.
You are eligible for Medicare Part B at age 65 as well. However, you must pay a monthly premium for Part B. This provides for your outpatient benefits such as doctor visits, lab work, surgery fees, and more.
IF YOU DELAY ENROLLMENT INTO PART B – consult with your dedicated Medicare specialist at (our phone number) to explain the special election periods for a delay Part B enrollment.
Also, keep in mind, some people turning 65 still have health insurance through an employer. They can delay their enrollment into Part B in favor of their group health insurance without fearing a late penalty.
